2018 Cadillac Escalade Insurance Rates – 10 Tips to Save

Trying to find better insurance rates for your Cadillac Escalade? Finding budget insurance online can be intimidating for people not familiar with buying insurance online. With so many insurance agents and insurance companies available, how are people able to efficiently compare every insurance company to find the lowest price?

Consumers need to compare premium rates occasionally because insurance prices are constantly changing. Even if you got the lowest quotes for Escalade coverage a year ago you can probably find a better rate now. Forget anything you know (or think you know) about insurance because you’re about to learn one of the quickest ways to reduce your cost while increasing coverage.

If you have car insurance now, you stand a good chance to be able to cut costs considerably using these techniques. The purpose of this article is to teach you how to effectively get price quotes and some tips to save money. But vehicle owners need to learn the methods companies use to sell online and use this information to your advantage.

Buy auto insurance online

There are several ways to shop for auto insurance, but one way is less labor-intensive and much quicker. You could spend the better part of a day discussing policy coverages with agents in your area, or you could use online quoting to accomplish the same thing much quicker.

Most of the larger companies participate in an industry program that allows shoppers to complete one form, and every company then returns a price quote based on that information. This saves time by eliminating quote forms to every company.

To get comparison pricing now click to open in new window.

The one disadvantage to using this type of form is you can’t choose which companies to get pricing from. So if you want to choose from a list of companies to compare, we have assembled a list of low cost auto insurance companies in your area. View list of insurance companies.

How you compare quotes is your choice, just be sure you’re using nearly identical quote data for each quote you get. If each company quotes different values for each quote it will be impossible to decipher which rate is best. Having just a slight variation in insurance coverages may cause a big price difference. Keep in mind that more quotes will increase your chances of finding better pricing. Not every company allows you to get quotes online, so you need to compare rates from the smaller companies as well.

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Take advantage of every insurance discount

Buying insurance is not cheap, but there may be some discounts to help bring down the price. Most are applied at the time of quoting, but some discounts are required to be asked about in order for you to get them.

• Air Bag Discount – Factory options such as air bags or automatic seat belts may earn rate discounts of 20 to 30 percent.
• Government Employee Discount – Active or retired federal employment could provide a small rate reduction for Escalade coverage with certain companies.
• ABS Braking Discount – Vehicles with ABS braking systems or traction control can reduce accidents so companies give up to a 10% discount.
• Own a Home – Just owning your own home can save a few bucks because maintaining a house demonstrates responsibility.
• Seat Belts Save – Drivers who require all vehicle occupants to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
• Accident Forgiveness – This isn’t a discount exactly, but a handful of insurance companies will forgive one accident without getting socked with a rate hike as long as you don’t have any claims prior to being involved in the accident.
• Good Students Pay Less – Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
• Bundle and Save – When you combine your homeowners and auto insurance and place coverage with the same company you will save up to 20% off your total premium.
• Low Mileage Discounts – Low mileage vehicles can qualify you for slightly better rates than normal.
• Discounts for Good Drivers – Drivers without accidents could pay up to 40% less for Escalade coverage compared to rates paid by drivers with frequent claims.

It’s important to understand that some credits don’t apply to the overall cost of the policy. Some only apply to individual premiums such as physical damage coverage or medical payments. Even though it may seem like it’s possible to get free car insurance, that’s just not realistic.

A list of companies and some of the discounts include:

• Geico policyholders can earn discounts including multi-vehicle, seat belt use, driver training, good student, defensive driver, anti-lock brakes, and daytime running lights.
• MetLife may offer discounts for good student, claim-free, good driver, accident-free, and multi-policy.
• State Farm has savings for driver’s education, Drive Safe & Save, multiple autos, anti-theft, and good student.
• Progressive offers premium reductions for multi-policy, online signing, good student, continuous coverage, online quote discount, multi-vehicle, and homeowner.
• Mercury Insurance offers discounts including good student, ease of repair, anti-theft, multi-policy, professional/association, and multi-car.
• 21st Century may include discounts for good student, 55 and older, theft prevention, driver training, and teen driver.
• Allstate includes discounts for farm vehicle, senior citizen, passive restraint, anti-theft, and premier discount.

If you need affordable auto insurance quotes, ask all companies you are considering the best way to save money. Some of the earlier mentioned discounts may not be offered in your area. To choose insurers who offer insurance discounts, click here to view.

How to know if you need help

When it comes to buying coverage for your vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine whether your personal situation would benefit from an agent’s advice.

• Is my Cadillac Escalade covered if I use it for business?
• Should I drop comprehensive coverage on older vehicles?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• What is UM/UIM insurance?
• Should I file a claim if it’s only slightly more than my deductible?
• Do I have coverage for damage caused while driving under the influence?
• Are split liability limits better than a combined single limit?
• How do I buy GAP insurance?
• Do I need to file an SR-22 for a DUI in my state?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form.

Auto insurance policy coverages for a Cadillac Escalade

Knowing the specifics of a auto insurance policy can help you determine which coverages you need and proper limits and deductibles. Auto insurance terms can be impossible to understand and reading a policy is terribly boring.

Auto liability

This provides protection from damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as court costs, repair costs for stationary objects, funeral expenses, emergency aid and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Comprehensive or Other Than Collision

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like theft, hitting a deer, vandalism, hail damage and falling objects. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like hospital visits, funeral costs, dental work, surgery and doctor visits. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible

UM/UIM Coverage

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for collisions

Collision coverage will pay to fix damage to your Escalade from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like hitting a mailbox, colliding with another moving vehicle and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

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Quote more, save more

When buying insurance coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. Too many times, someone dropped full coverage and discovered at claim time they didn’t have enough coverage. Your goal should be to buy the best coverage you can find at the best cost, but do not sacrifice coverage to save money.

In this article, we covered some good ideas how to lower your 2018 Cadillac Escalade insurance rates. The key thing to remember is the more you quote auto insurance, the better chance you’ll have of finding the cheapest auto insurance. You may even discover the best rates are with a lesser-known regional company.

Some insurance companies don’t offer online quoting and these smaller providers only sell coverage through independent agencies. Cheap 2018 Cadillac Escalade insurance can be purchased both online in addition to local insurance agencies, so you need to compare both to have the best chance of lowering rates.

Additional insurance information is located on the following sites:

• Car Insurance: When not to Skimp (BankRate.com)
• Winter Driving (Insurance Information Insitute)
• All About Airbag Safety (State Farm)
• Rollover Crash FAQ (iihs.org)
• Teen Driver Statistics (Insurance Information Insitute)
• Alcohol Impaired Driving FAQ (iihs.org)

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